Insurance Checklist
In Germany, there is an insurance for everything. Here is what you ACTUALLY need.
🔴 Mandatory by Law
Health Insurance
KrankenversicherungMandatory for every resident. Choose Public (Statutory) or Private based on income.
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Car Insurance
Kfz-VersicherungMandatory if you own a vehicle. Third-party liability is the legal minimum.
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🟡 Highly Recommended
Not required by law, but 85% of Germans have these. One accident can bankrupt you without them.
Personal Liability
HaftpflichtversicherungThe most important "voluntary" insurance. Covers you if you accidentally damage someone else's property or injure them.
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Household Contents
HausratversicherungProtects your belongings (laptop, furniture, bike) against theft, fire, and water damage.
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Legal Protection
RechtsschutzversicherungCovers lawyer fees for employment disputes, landlord issues, or traffic accidents.
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🟢 Nice to Have
Dental Supplemental
ZahnzusatzCovers expensive treatments like implants.
Occupational Disability
BerufsunfähigkeitPays you a monthly pension if you can no longer work.
Bike Insurance
FahrradversicherungIf you have an expensive e-bike.
Dog Liability
HundehaftpflichtMandatory in many states if you own a dog.